Robert Owen Community Bank

Start Up Business Loans

Low Rate Unsecured Loan

  • Available to businesses 0-24 months old
  • Borrow up to 25,000 at 6% PA
  • Pay it back over 1 – 5 years
  • Assistance with business plan if required
  • Ongoing mentoring and support
  • Quick, easy and hassle free application process

Why Choose Us

We’re a not-for-profit organisation who reinvest our money into community projects that make a difference. As an independent organisation, our interests lie in helping communities, rather than making money for our shareholders like a traditional high street bank.

We’ll guide you through the application process for your Start Up Loan. Once it’s been awarded we’ll be on hand to provide you with free, expert business advice if you need it.


Simply enter your details and we'll call you back as soon as we can. If you'd like us to call you at a particular time, just let us know when would be convenient for you.

Our Success Stories

  • After we won the contract with o2 we were worried about finance, but the Start Up Loan and ongoing support from you has been invaluable.

    Cenfyn ETO Music Practise
  • I couldn't have done this without you, this loan has helped me move production from my kitchen table to a dedicated facility!

    Lori Pzazz Chocolate
  • I think I love you, thank you so much Jackie. We'll definitely stay in touch as I may need some help with my VAT in the future.

    Hannah Black Barn Flooring

What Robert Owen Community Banking Offer

We aim to bolster and build local communities by providing access to financial products that make locally invested capital work harder. We’re a not-for-profit organisation that takes local investment and public funds to provide loans within Wales. Our Start Up Loans are available to businesses from 0 – 24 months old and you can borrow up to £25,000, paying it back over a maximum of five years.

  • 1. Get in Touch

    Fill out the form at the top of this page.

  • 2. Submit a Loan Request

    Your application will be reviewed for approval.

  • 3. Application Approved

    The money will be paid into your bank account.

  • 4. Make it a Success!

    Repay the loan over flexible payment terms.

Start Up Loan Calculator

Use the calculator below to see the total and monthly repayable on different amounts over one to five years.

I want to borrow:


For a duration of:

2 years

Monthly Payment £137.39

Total Repayment £3,297.45


A member of Responsible Finance and a Start Up Loans offcial delivery partner.